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itOUMB TO BK FGKVsCD. A Mneetbdkd (1?jm?nl-? 'Augusta " Inveigh* Against Hn< In Com panic*, Their l'-oiki?** aam the Insurance Laws of Georgia. irneqe HermlU-Argia. In hurt weeks' issue of the Hera Id - Wo quoted an article from the Gtironlcle rcHarding delayed Cat in ?hat city and the pos aftbtltty of the legislature being called WPCW to eaaet certain new* laws de? inen ii to facilitate the equitable set? tlement of Are luenes. The article fur atated that a law requiring corn to pay the face of a policy In of total loan, regardless of value the property deetrei/ed. would alao [ demanded by policy-holders who! re disappointed In tie adjustment* the Augusta conflagration, ha Hera. I-Argus commented upon ateeemerii? made in the Chronl ta a fair and impartial way. but ? latter paper preferred to read bo? th* lines and in Its issue of July gat the subject editorially In a that leaven no room for mfci indhtg. In other words, the . la out for rrr-e-venae to get eP|n with the comp* - Its pasjable Influence with legislature. H%%1* what it sayi: l*m*t Saoday's (Thrnniele contained news story, telling oA.i ? ent ?en toot in Aujusia fc> ui,,e ui>< i ? Oearaia i?at?ia\.re \hm necessity iwattnia e ha nape In theMlre lnsur lajrs of this State, which would Im effect of placing the um tu od asneefhat fairer footing with th> oompanles In the event of The article In question said at present has two of It* Hfl lit fare loeass unsettled, merely be aanae Urn tnauianoe companies havt? arbitrarily saht *aat they will only an imptrt to ascertain the lent non-residents PC vAigusta. ??la nearly all af the States of the In South Carolina, there i*ted a law tliat where the riveted by , tne company rassured can not agree upon an the Judgee of the superior of4 the county In which tho occur*, shall appoint an umpire. Iff each a law had been In existence) at thq time of the Ore of t|d last, The Cfc roaicle build weald now probably have been re ? eid a new Union Savings Hanl, would have been In process o' As It la, Wither of those ige hm*s been toijirfed. be^hus* AIM v t been appraise*! M tKanci, tha.j ent 1nuugnt;u>d in August* i of the State's Are Insur a waa not Inspired by The and the Chronicle build ha? no more to do with it re several ether local losses, where the Insurance companies have ehown a grossly uafalr and most arbi? trary sphrH la the aetl lern ent. The trash mi the matter is, ilie Insurance none pea I en lave had every Augbsta paltryheddet at their mercy, and In taagqr iaeiance* used this advantage to Ulsii awn benefit. H m\ proeebly, safe to say that no arbitrary and outrageous treat I eonld save bqen accorded the as even If the latter were under ot being criminally respon? sable far hin own less. Hut all of this at nee long a story to tell here. Yaw thing that brings the matter up In print?Is an odltorlal from Iniurunce Herald-Arsus. of At ?vaech noerni to be a sort of or of the Piaurance in orests of the th. And. yet. bearing that close tlon to the Insurant** companies Journal Is fair enough to say: "It has bean Impossible to obtain a clear understanding of the dlfft rent es that have arisen between tho assured and the adjaatera at Augusta, but. it does seers, whatever the .cause, that serious consequences may be the pos? sible result of the failure to reuch an amicable agreement. That thero has be*ri enaccotintnlde delay in the ad . < moots at Augusta to an exten; that ? i . lasts on the part of the public ) ? ?? been threatened can not be de? nied, "The fire occurred on March 22d *T ind now, after more than three ,>u>ntha, a number of important claims ? i tin unsettled. Nashvile und Paris poli< rholders have all received their money and much rebuilding has al ? / been accomplished in those " etil* ?. Artists Is compelled to lag ??iii'id. "J? should be possible tot the ma of companies to relieve them selvv-t of the onus In such ea?ea before the grievance of the public is vented 'Urn business as a whole, i numerable Instances can be ed out where the entire frater aH has been made to suffer because the mladlrected seal or i bort? om u,XS of one or two companies or then rtpreeentatlves.' ?aactly so; but Is the public to be blamed for waking up to its lights ami lervst* when a conflagration, such that Win h visited Augusta on h 31d last. brings tr* matter home In a way that the public can not fall to understand * it may be that bat for the quibbling"--to doelgaate St mlldIy?-of a few rortpnnles, the Augusta public might not have dis? covered that it has no right* under a tire insurance policy which the com? pany is in any way bound to respect, unless it Is plcuscd to do so. Hut enough has developed til Augus? ta wince this great lire to acquaint the public with a few things about lire in- > suruncc policies -as permitted under the laws of Georgia?which the insur? ance companies, themselves, framed? that the dour old gullible public nevor knew before. And one of these Is. j that in case of a loss, che assured Is compelled?In fact, is bound under tha Georgia laws?to let the insurance company select one of the arbitrators and the "umpire." That is, where the assured refuses to be cajoled, or brow ?atcn, Into a settlement without "ar bi i ration." And nothing will stop tho^c Augusta people who have interested themselves In this vital matter?neither a belated settlement, nor explanation, nor any? thing else?from carrying this matter forward, as far as it run be carried, in the legislature or before tho courts. And, yet, none of this is to be done In the spirit of "reprisal" against in? surance companies; for the men be? hind this movement are clear-headed, conservative bustnes men, and they would not seek legislation that would work an Injury to any Interest in Geor? gia. The Chronicle, Itself, agrees wtth tho insurance Herald-Ar^us, that the danger of such a movement Is in permitting it to go "toe far," and lo this tho Chronicle is opposed. But, certainly, it la not going too, far to ask the legislature, to let somebody, j besides the insurance companies them ?elves, have a word In framing the Insurance laws of this State. And, cer? tainly, it |s* not going top far to ask that the legislature provide some ma? chinery for the selection of "umpires" In case of arbitration of losses, instead of leaving this vital matter almost wholly in the hands of the insurance company, or companies, st Interest. In this connection, however, it might be mentioned, in the case of the Chronicle building, that the insurance adjusters in charge have absolutely refused to agree upon any umpire proposed by the assured, and have in? sisted throughout upon the latter ac? cepting an umpire "from the North." who la In no way familiar with build? ing conditions in the South. But even this does not represent all of their arbitrariness, as will be shown at tho propor time; for. after taking up three weeks of tho assured'* time, in an >ei, '\\ effort to "n.-V-ff th? ?o?s?,' the UbmrsJfCo representative dnndly mormci :io assured thai they t*ul "no piopositton to make" and that the j matter would "hove *e go to tirbltra-' tlon"?since which time they havo roolly and persistently refused to agree to every proposition that would have made arbitration possible. The truth of the matter bp, a more one-sided and unfair, If not downright , dishonest, contract was never devised than thut under which fire Insurance companies are permitted to do busi? ness in this State. If an individual citizen wore to propose a similar con? tract?al!-for-me and nothlng-for-you ?with another Individual, the latter would, probably, regard it either as a Joke or a piece of Impertinence. And no man. If be has business sense enough toy administer his own affairs, would knowingly sign such a contract and pay out his good money on it, year after year. Yet thhv purposely one-sided con? tract is permitted under the laws of Georgia! Which Is only explalnod by the fact that the insurance companies, themselves or their representatives, framed the law. But. as for that matter, Georgia has the weakest insurance laws of any State In the union, and has had all along; a fact very often remarked, and generally laughed about by men In tho Insurance business. As, for in? stance, we once knew an Insurance man?a member ef the legislature, at one time?who, when he could stand the demands of the insurance compa? nies no longer, was candid enough to tell them, that, like the liquor men, they were making themselves so "ac? tive" in the matter of State legislation, and were so opposed to any and all forms of remedial legislation for in? surance companies, that they would sooner or later "pull the house down on their own heads." Hut, as the Insurance llerald-Ar gus well says, the average man never looks at 1 is lire insurance policy; never knows what Is in it, or what a fool contract he has signed?or ac? cepted, rather?until he is confronted with a loss and has to make a settle? ment. Then, it Is up to him?here in Georgia, at least?to take whatever the Insurance con i pa n les are willing to of? fer him; or. else, go into a so-called "arbitration," where the Insurance (company usually selects two out of the three arbitrators; or suspend opera? tions Indefinitely and go to law about It. This, fairly stated, Is In accordance with the lire Insurance laws of Goor i.i i as they now stand; though it is only fair, also, to state Unit a vast majority of the companies refuse to take advantage of ibe unholy opportu? nity (hat this outrageous law gl\es t' em for oppressing the assured. It is only when the other kind of compa? nies?or some adjuster who thinks lie is better earning ins pay by taking an arbitrary position in the settlement ol a loss; while, at the same time, arous? ing the public to action in defense of its own rights?seeks all the advantage that these iniquitous Georgia lire in? surance laws give them, that the grotesquely serious nature of the sit? uation as to the assured comes to light. It is then we discover who has been framing the lire Insurance laws of Georgia?for the policyholders to livo up to. It so happens that a number of States of the union have a provision in their lire insurance laws which would exactly correct the situation in Georgia?a provision for the appoint? ment, of an "umpire" where the insur? ance company and the assured can not agree within a specified time. Some? thing like the following: "When in the event of any loss or damage to property in this State de? scribed in any policy of lire insurance and covered thereby, the ascertain? ment of the amount of any such loss or damage is, as provided in the pol? icy, to be determined by appraisers, one selected by the comany, the other by the Insured, and the two so chosen shall have failed or neglecTed^p for a space of ten days after both have been chosen, to agree tipon and select an umpire, it shall be lawful for cither the insured or the company to apply to any court of record in the county in which the property is or was lo? cated, on live days' notice In writing, to the other party of his or its Inten? tion so to do, to appoint a competent and disinterested umpire. Any such notice in writing, when served by the insured, may be served upon any local agent of the company, and the said court ?hall, on proof by affidavit of the failure or neglect of the said ap? praisers to agree upon and select an umpire, within the time aforesaid, and of the service of notice aforesaid, forthwith appoint a competent and dis? interested person to act as umpire in the ascertainment of the amount of said loss or damage, and the acts of tho umpire so appointed shall be bind? ing upon the assured and the company to the same extent as if such umpire had been selected in the manner pro? vided for In said policy of Insurance.' Surely, there Is nothing In the above that' would v/ork any "hardship" on the fire insurance companies if made a part of the insurance laws o^ Geor? gia. They are doing business success? fully under this very provision In Tpnnv nt^fv States. T'hv the'l .-.1 ?u1d they be permitted to shape Georgia'*] UVim.uiCC la.v-i to laut themselves? Assuming that the Insurance B%; ald-Argus is as fair-minded all the way through as Its editorial, which the Chronicle reproduces in full else? where, would seem to Indicate, we think oven it will admit, that not to have such a provision in the Insur? ance laws of Georgia can, and does? as instanced by certain notable losses growing out of the Augusta fire?work a dlntinct "hardship" on the assured. This Augusta fire has brought a good many things to light in connec? tion with the one-sided insurance laws of Georgia, and the Georgia legisla? ture will stultify itself if it does not correct these defects at once. It may be, as the Insurance Herald-Argus suggests that "the misdirected zeal, or shortcomings" of a few companies have brought this situation to light; but, whatever did it, the situation now stands revealed as never before in Goorgia. And It is a situation that no man who has any respect for" a "mu? tual contract' ?one In which two or more contracting parties are supposed to ho on something of a parity?will stand a day longer than is necessary to get from under it. The Georgia legislature can do no more important work this summer than to make a thorough examination into the one-sided, unfair and dishon? est lire insurance laws of this State; and, then, go to work to enact a few laws that take Into consideration the rights and interests of somebody, be? sides the insurance companies. Heal Estate Transfers. Hartow Walsh to Johnnie Scott, lot in city, $100. A. J. Jones to A. China, as Execu? tor, 3">7 acres on public road be? tween Sumter and Wedgelleld, $3 and other considerations. w. K. Mills to s. II. Naher*, lot just outside of city limits, $Sf>. This. 1?. Mcl.eod to Mrs. Annie G. Robinson, 10 acres on public road be? tween Swimming Hons and Bethel church. $S,r.ao. Master to H. Diane Tlndal. lot in town of Privateer, $1?. Mabel U Belser to Beulah U Mc Klnney, lot on Balem Avenue known as "Stuekoy Place," $L\r.0<>. ?Doing hard work in a bent or stooping position puts a stitch in the bac kthat Is painful. If the muscles have become strained, you can't git rid of it without help, The groat pene? trating power of Bollard's Snow Lini? ment will appeal to you most strongly at such times, because it is the very thing you need. Prlro 86c, BQo an I 111.00 per bottle. Sold by Blbort'fl Drug Store.?Advt, TOBACCO IS PREPARED, FOR SMOKERSUNDERTHE PROCESS DISCOVERED'IN , r^AKIHl?; EXPERIMENTS TO | PRODUCE THE MOST DE iJGHTf 'JL AND WHOLE SO M F. tOD^CCO FOR CIG; PROCESS RATENTED ! II - .J?LY^jfi07;;!| I j s?;IREYNOL?sToa?cbCoMWwi i!iiWlNSTOMSAL?N.kCi?^'.'?.i|! I ji ? . bid ininnnruni! I OiQiES NQT blTE THE 'Jill P. A. puts new joy into the sport of smoking! YOU may live to be 110 and never feel old enough to vote, but it's cer? tain-sure you'll not know the joy and contentment of a friendly old jimmy pipe or a hand rolled cigarette unless you get on talking-terms with Prince Albert tobacco! P. A. comes to you with a real reason for all the goodness and satisfaction it offers. It is made by a patented process that removes bite and parch I You can smoke it long and hard without a come? back! Prince Albert has always been sold without coupons or premiums. We prefer to give quality! Prince Albert affords the keenest pipe and cigarette enjoyment! And that flavor and fragrance and coolness is as good as that sounds. P.A. just answers the universal demand for tobacco without bite, parch or kick-back I Introduction to Prince Albert isn't any harder than to walk into the nearest place that sells tobacco and ask for "a supply of P. A." You pay out a little change, to be sure, but it's the cheer fullest investment you ever made! the national joy smoke K.J. Reynold* Tobacco Co., Winston-Salem, N. C. Copyright 1916 by R. J. Rcynolia Tobacco Co* PASSENGER STATION IMPROVE? MENTS. Col. Thomas Wilson in Letter to Mayor Jennings Explains Situation. I 1 i p '.I j Hon. L. D. Jennings, Mayor, Sumter, S. C. Dear Sir: As Mr. Reardon, Secre? tary of the Chamo? >: of Com mere . apvv lit to write nn n ttele and pul i I It ir ?:-e [ten. u M. i iy th( am Writing to advise '"?' as nu.vor that i. have hud the matt \ of the d pot Improvements up with Mr. J. R. Kenly, president, and on the 11th inst. I received a letter from Mr. Kenly ad? vising that he had issued instructions to his operating department to do the work at the passenger station in Sum tor in accordance with his agreement with the City of Sumter. 1 wrote Mr. Kenly about this matter, suggesting that if the time was opportune I hoped he would arrange for the wor); to be done. I did this on account Of our street improvements and I thought it a proper time to have the passenger station improved also. No one connected with the Cham? ber of Commerce, or the city council or any of the citizens of Sumter have made any complaint that I know of or have heard of. The passenger sta? tion grounds have been maintained In good condition for sometime and par? ticularly and carefully looked after and I think the article written by Mr. t Ueardon at this time is very much out of place. Mr. Ueardon has himself complimented the railroad officials in conversation with me recently, for keeping the passenger station grounds in such good condition. One of the Atlantic Coast lane engineers was in my Office today and advised me that his department had been Instructed by air, Kenly to do the work at Sumter as early as possible, Yours truly, Thomas Wilson. Sumter, S. C, July 19, 1916. When you feel lazy, out of sorts and yawn a good deal in the daytime, ycu can charge it to a torpid liver which has allowed the system to gel full of impurities. Hcrhinc cures all disorders produced by an Inactive liver. It strengthens that organ, cleanses the bowels and puts the sys? tem in good healthy condition. Price fiOo. Sold by Sibert's Drug Store.? I Advt. RenotlonarIrs In Mexico increase. Vera (muz, July 21,?Reactionaries in soul hern Mexico are growing stronger Steadily, Their Naders have given orders to remain neutral in case Of war with the United States. ?When the baby is suffering the double affliction of hot weather and bowel disorders, the remedy needed is McGeo's Baby ?llxlr, it reduces the feverish condition, corrects the yttoin ach and checks the looseness of the bowels. Prloe 26c and 50c per bot Us, Sohl by Sibert's Drug Store.? AdVt* ^ ?Mlim% A- \*m '- SfcJ mmtAai ^ t?\a CTjOUDBVRST north of svmter. Sec tion Between Bannte* and ltisiiop ville and Around Mayesville Reoeiv ed Heavy Rainfall. From the Daily Item, July 22. The heaviest fall of rain experienc? ed in this section in a Ions time was t?lt >'??*??? *?,.'.?. afternoon fcrOUhd the ! .i'.us^ section, Oawego, at. chad's, .i;tyes\ !U? and the section betweeni Rnrifilor snci Rlshopville, Which had ii 1 literal cloud burei. The rainfall seems' to have been heaviest just beyond Oswego, and from there to Mayesville the whole country was flooded. Many farmers had their crops washed badly, while others had theirs drown? ed out or at least what portion of them left by the heavy rains which have fallen recently. The damage from wa? ter to or ope Iii thai section which felt the full force of the cloudburst was even more than from the rain during the. storm of last week. At Swimming Pen! swamp the Coast Line track was covered to a depth of tWO feet by the water. At Mayesville the track was covered about eighteen inches. The town of Mayesville was almost Hooded and water poured down the streets and into many of the stores and stables, it is reported. No. 66*6 will cure Chills and Fever. It is the most speedy remedy we know.?Advt. Bridge* and Causeways Restored. From the Daily Item, July 22. Supervisor Pitta stated this morning that all of the bridges and causeways In the county, which were damaged by the recent heavy rains, had been re? paired except the causeway of the New Shiloh road and a bridge over Ratting Creek near llagood. He had not heard of any damage being done by the heavy rainfall in the northern and northeastern part of the county Friday afternoon, save washouts all along the roads, which damaged them in places, but did not make them im pasa?ble at any point. No. ?;?; will cure Malaria or Bilious Fever. U kills the germs.?Advt. Check for Fire Department. From the Daily Item, July 22. The Bumter Fire Dcpartmenl this morning received o cluck from Mr. Thomas Wilson as a small token of bis appreciation of their valuable work at bis premises on Thursday afternoon. Tue check was for tuen ty-flve dollars ami was much appre? ciated by the members of the lire de? partment. fA bad taste In the mouth comes from a disordered stomach, and back of thai usually a torpid liver. A con? dition which Invites disease. Herblno i.; the remedy needed, it corrects the stomach and makes the liver active and tegular. Price 60c. Bold bj ?Hbelt's Drug Store.?Advt, CAUGHT BLIND TIGERS. ??_ ?r | Policeman D. Cliandler Arrested Suspicious Characters?Found They Had Robbed Store. Policeman J. D. Chandler in his visit to the A. C. L. station on Wednesday night came across two supicious look!i g negroes and he added ?*> In* vesttgat* tii< m. He stopped one of tin m and an examination reveled the fact tnat hi*- p.okets -..ere filled with ? ?int and half pint h of ties of whiskey. The other negro started oil, u.it ???to called hack and searched and more whiskey was found on him. Both of the men were then arrested and later upon trial in the police court, they were found guilty of transporting whiskey for unlawful purposes. Mr. Chandler later heard of the rob? bery of Mr. Denmark's store at Mayes? ville and after searching for evidence connected the two negroes with the robbery of the store, an act which they confessed when charged with the crime. Doth negroes are now serving on the gang and have the other charge to face on their release from the gang. LEAVE FOR ATLANTIC CITY. Members of Jefferson Standard Hun? dred Thousand Club on Outing. From the Daily Item, July 22. The members of Jefferson Stand? ard Hundred Thousand Dollar Club leave this evening for Atlantic City to attend a meeting of the agents of thai company at that place for the next ten days. Those who go from here are Messrs. \V. B. Usphur, C. H. Wilson, Bartow Walsh, C. D. Edger ton of ?umter, and J. Mack Plowden of Summerton. The Jetferson Stand? ard Life Insurance Company each year gives one of these trips to its agents who have sold over a hundred thousand dollars worth of business ?during the year. Serious Auto Wreck. Mr. Stewart Marvin had a serious misfortune while on the mail route of Mr. Wilson Dickson yesterday. Mr. Harvin had as passengers Mrs. Harvi 1 and their two boys. Just this side of the Cole place Mr. Harvin turned his head to hold his boy and immediately the car pitched into a ditch six feet in water. Mrs. Harvin was painfully bruised and one boy was pinioned un? der the car in the water and rescued just iu time to prevent drowing.?Man? ning Herald. lluh-My?Tism?Antiseptic, Anodyne -Kills pain, stops putrefaction.? *Stings or biles of insects that are followed by ?Wellings, pain or itching should be treated promptly as they are poisonous. Dullard's Snow Lini? ment counteracts the poison. It is both antiseptic and hOiling. Price 25c 50c and $1.00 per bottle. Sold by Sibert's Drug Store,? AdvJ, A